We suspect that’s cold comfort for many savers dismayed that the best 60-month CDs pay a fraction more than the best 12-month CDs did two years ago.

During the last month, there have been lots of movements among the banks competing for the best nationally available deals. But nothing at the top has budged (save for Goldwater Bank’s rate cut last week, which dropped it from a tie for the best nationally available 24-month CD rates).

Intervest National Bank (www.intervestnatbank.com), which has a single branch in New York City and six branches in Florida, cut its 60-month CD rates from 1.98% APY to 1.97% APY. It’s the bank’s third small rate cut since the middle of November.

Discover Bank (www.discoverbank.com), an online bank owned by the credit card company, cut both its 36- and 60-month CD rates. Its rates fell from 1.45% APY to 1.40% APY on 36-month CDs and from 1.90% APY to 1.80% APY on 60-month CDs.

These cuts push Discover down far enough to knock the bank off our rankings in both terms.

Doral Bank Direct (www.doralbankdirect.com), the online bank of Doral Bank, the leading community bank in Puerto Rico, with eight U.S. branches in Florida and New York City, has the top 36-month deal at 1.65% APY.

The best nationally available 60-month CD belongs to Quaint Oak Bank (www.quaintoak.com), a suburban Philadelphia bank with one branch, which pays 2.20% APY.

Banks qualify for our rankings by accepting deposits from all savers, regardless of where they live, either online or through the mail.

Compare these returns with the best CD rates from scores of banks in our extensive database.